so i really looked at this job going in as a law enforcement job. and i was thrilled with the opportunity to build one from scratch. but once i got down there -- >> early 2008, wasn't it? 2008? >> i arrived in december 15, 2008. and the money started going out the door in late october of 2008. and what i saw was that there were tremendous opportunities for abuse. there were no conditions, no strings attached and conflicts of interest being baked into some of therograms. so idoing what my job was a fmer aud prosecutor started pointing these out and making suggestions, recommendations to try to close these loopholes and make it less vulnerable to losses. and the response i got was remarkably eye-opening to me. i was told that maybe my concerns were valid. but i didn't need to worry about it, because these were banks. and these banks would never, i remember this quote, "risk their reputation by putting their own profits over the public purpose behind these programs." and to be very clear, this was told to me by paulson people under the bu adminisation